To be fed up of having no money?

[financiallyembaressed]

Regular on a name change. We literally are living off credit cards from day 10 after payday. We are up to our limit on our cards apart from one that will be soon. I don't know what we are going to do. Tips appreciated.

Dh works ft. I am a sahm looking for work but with 4dcs it's tough. I also have health problems and depression.

Feels like we are stuck.

[ssd]

op, it would probably be better to ask them that direct, if it would have a negative effect on your dh's job

[popmusic84]

I would imagine full time work with 4 dc may not make financial sense. Working around partners shifts would probably be better.
Good luck op.

[ItsAliveItsElectric]

Unfortunately yes OP as in the process of putting the plan in place you have to offer the creditors a token payment which means they often serve default notices in the interim period as the full minimum payment is not received. However, after 6 years these are all wiped from your record. Its a pain as it may mean you can't get any more credit but that's a good thing I think. I would really recommend going with Step Change as uts free and they help you so much, its like a weight off your shoulders honestly x